Reportable Segments (Tables)

12 Months Ended

Dec. 31, 2024

Segment Reporting [Abstract]

Reportable Segments [Table Text Block]

Reportable segments reconciliation to the Consolidated Financial Statements for the year ended December 31, 2024 is as follows (in thousands):

	Commercial		Consumer		Wealth Management		Segment Total		Funds Management and Other		BOK Financial Corporation
Net interest income from external sources	$	1,078,190	$	25,946	$	11,266	$	1,115,402	$	95,356	$	1,210,758
Net interest income (expense) from internal sources	(263,094)		234,101		117,962		88,969		(88,969)		—
Net interest income	815,096		260,047		129,228		1,204,371		6,387		1,210,758
Net loans charged off and provision for credit losses	8,850		5,827		(184)		14,493		3,507		18,000
Net interest income after provision for credit losses	806,246		254,220		129,412		1,189,878		2,880		1,192,758
Other operating revenue	222,584		140,005		462,679		825,268		14,373		839,641
Personnel expense	189,027		98,667		263,686		551,380		259,859		811,239
Non-personnel expense1	116,403		127,597		114,551		358,551		195,965		554,516
Total other operating expense	305,430		226,264		378,237		909,931		455,824		1,365,755
Corporate allocations2	69,997		55,737		57,073		182,807		(182,807)		—
Net income before taxes	$	653,403	$	112,224	$	156,781	$	922,408	$	(255,764)	$	666,644
Average assets	$	21,751,103	$	8,112,293	$	10,772,189	40,635,585		$	10,113,913	$	50,749,498

1     Non-personnel expense includes other segment items comprised of Business promotion, Charitable contributions to BOKF Foundation, Professional fees and services, Net occupancy and equipment, FDIC and other insurance, Data processing and communications, Printing, postage, and supplies, Amortization of intangible assets, Mortgage banking costs, and other miscellaneous expenses.

2    Corporate allocations include centrally managed operational and administrative expenses that are allocated to segments.

Reportable segments reconciliation to the Consolidated Financial Statements for the year ended December 31, 2023 is as follows (in thousands):

	Commercial		Consumer		Wealth Management		Segment Total		Funds Management and Other		BOK Financial Corporation
Net interest income from external sources	$	1,178,506	$	59,962	$	30,020	$	1,268,488	$	3,692	$	1,272,180
Net interest income (expense) from internal sources	(305,107)		207,058		88,998		(9,051)		9,051		—
Net interest income	873,399		267,020		119,018		1,259,437		12,743		1,272,180
Net loans charged off and provision for credit losses	13,967		5,157		(50)		19,074		26,926		46,000
Net interest income after provision for credit losses	859,432		261,863		119,068		1,240,363		(14,183)		1,226,180
Other operating revenue	247,001		105,793		506,447		859,241		(69,292)		789,949
Personnel expense	191,765		89,472		250,671		531,908		234,702		766,610
Non-personnel expense1	124,083		122,642		100,796		347,521		218,750		566,271
Total other operating expense	315,848		212,114		351,467		879,429		453,452		1,332,881
Corporate allocations2	74,999		48,565		54,401		177,965		(177,965)		—
Net income before taxes	$	715,586	$	106,977	$	219,647	$	1,042,210	$	(358,962)	$	683,248
Average assets	$	21,003,551	$	8,040,602	$	9,883,180	38,927,333		$	9,316,821	$	48,244,154

1     Non-personnel expense includes other segment items comprised of Business promotion, Charitable contributions to BOKF Foundation, Professional fees and services, Net occupancy and equipment, FDIC and other insurance, Data processing and communications, Printing, postage, and supplies, Amortization of intangible assets, Mortgage banking costs, and other miscellaneous expenses.

2    Corporate allocations include centrally managed operational and administrative expenses that are allocated to segments.

Reportable segments reconciliation to the Consolidated Financial Statements for the year ended December 31, 2022 is as follows (in thousands):

	Commercial		Consumer		Wealth Management		Segment Total		Funds Management and Other		BOK Financial Corporation
Net interest income from external sources	$	809,982	$	69,646	$	137,721	$	1,017,349	$	194,031	$	1,211,380
Net interest income (expense) from internal sources	(159,242)		30,911		(16,851)		(145,182)		145,182		—
Net interest income	650,740		100,557		120,870		872,167		339,213		1,211,380
Net loans charged off and provision for credit losses	17,726		5,260		(175)		22,811		7,189		30,000
Net interest income after provision for credit losses	633,014		95,297		121,045		849,356		332,024		1,181,380
Other operating revenue	239,692		108,873		339,505		688,070		(44,813)		643,257
Personnel expense	173,309		87,183		222,892		483,384		187,534		670,918
Non-personnel expense1	115,934		122,027		88,558		326,519		167,043		493,562
Total other operating expense	289,243		209,210		311,450		809,903		354,577		1,164,480
Corporate allocations2	67,278		44,965		51,136		163,379		(163,379)		—
Net income before taxes	$	516,185	$	(50,005)	$	97,964	$	564,144	$	96,013	$	660,157
Average assets	$	19,073,248	$	8,789,697	$	9,879,354	$	37,742,299	$	9,282,337	$	47,024,636

1     Non-personnel expense includes other segment items comprised of Business promotion, Charitable contributions to BOKF Foundation, Professional fees and services, Net occupancy and equipment, FDIC and other insurance, Data processing and communications, Printing, postage, and supplies, Amortization of intangible assets, Mortgage banking costs, and other miscellaneous expenses.

2    Corporate allocations include centrally managed operational and administrative expenses that are allocated to segments.